Petit Jean State Bank
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Data as of · sourced from FFIEC call reports. How we update
Petit Jean State Bank is an FDIC-insured commercial bank headquartered in Morrilton, AR, established in 1999 (FDIC certificate 35084), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $260.0M, up 5.6% from Q2 2025, the 57th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35084
- Headquarters
- Morrilton, AR
- Established
- 1999
- Total assets, Q2 2026
- $260.0M
- Assets vs Q2 2025
- +5.6%
- Tier 1 leverage ratio, Q2 2026
- 16.93%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 082908706
- Latest call report
- Q2 2026, FFIEC 051 · Petit Jean State Bank call report
- Holding company
- PETIT JEAN BANCSHARES, INC.
- Asset rank in state
- 57th of 78 in Arkansas
Problem loans are rising at Petit Jean State Bank. Based in Morrilton, Arkansas, it had $260 million in assets at June 30, 2026, up 5.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.63% of loans from 0.11% a year earlier. It spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also funds 16.93% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Net income for the quarter rose 12% from a year earlier, to $1.3 million. Over the same year, loans grew 9.7% and deposits grew 6.0%.
As of June 30, 2026, Petit Jean State Bank reported a return on assets of 1.98%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 1.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Petit Jean State Bank is the 57th largest of the 78 banks headquartered in Arkansas. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $260.0M, loans rose 0.5% and deposits fell 0.9%. Commercial and industrial loans made up 27.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 26.4%. Its 2 offices in the FDIC Summary of Deposits are in Morrilton, AR. On its Q2 2026 call report, Petit Jean State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 707 N Saint Joseph St, Morrilton, AR 72110
- County
- Conway
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 16, 1999
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $210.5M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $260.3M
- Average total loans
- $141.5M
- Average interest-bearing deposits
- $173.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 16, 1999
- FDIC Cert
- 35084
- Fed RSSD
- 2769570
- Website
- http://www.pjsb.com →
- Parent Holding Company
- PETIT JEAN BANCSHARES, INC. (RSSD 2877402)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Petit Jean State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Petit Jean State Bank's total assets ranged from $234.3M (Q2 2024) to $262.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$260.0M total assets against $246.2M; $215.9M total liabilities against $205.4M.
$141.1M net loans and leases against $128.6M; $210.5M total deposits against $198.7M.
$62.9M securities against $67.7M; $43.9M cash and balances due against $39.3M.
$3.5M total interest income against $3.3M; $1.0M total interest expense against $1.0M.
$2.5M net interest income against $2.3M.
$198K total noninterest income against $198K; $1.1M total noninterest expense against $1.0M.
$25K provision for credit losses against $0.
$1.3M net income against $1.2M.
1.98% return on assets against 1.89%; 4.20% net interest margin against 4.05%.
16.93% tier 1 leverage ratio against 16.81%.
Inside the full Petit Jean State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Petit Jean State Bank rankings
Its closest position to the top of a national ranking is 173 of 3,606, for efficiency ratio; its furthest is 2,652 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.53% (Q4 2025) to 2.03% (Q3 2025) and its net interest margin ran from 3.88% (Q1 2025) to 4.20% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.93% | 1.98% | 0.63% | 1.93% | 4.20% |
| Q1 2026 | 16.81% | 1.95% | 0.59% | 1.86% | 4.14% |
| Q4 2025 | 16.84% | 1.53% | 0.61% | 1.85% | 4.18% |
| Q3 2025 | 17.02% | 2.03% | 0.63% | 1.91% | 4.16% |
| Q2 2025 | 16.81% | 1.89% | 0.11% | 0.34% | 4.05% |
| Q1 2025 | 16.56% | 1.74% | 0.10% | 0.32% | 3.88% |
| Q4 2024 | 16.49% | 1.74% | 0.26% | 0.76% | 3.97% |
| Q3 2024 | 16.59% | 1.81% | 0.26% | 0.82% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Petit Jean State Bank (main office) | Morrilton , AR | 72110 | $190.1M |
| Petit Jean State Bank University Branch | Morrilton , AR | 72110 | $20.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 72 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $770K approved, $154K average. 20.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Petit Jean State Bank
What are Petit Jean State Bank's total assets?
As of the Q2 2026 filing, Petit Jean State Bank reported total assets of $260.0 million in its FFIEC call report.
Where is Petit Jean State Bank headquartered?
It is headquartered in Morrilton, AR, United States.
When was Petit Jean State Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Petit Jean State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Petit Jean State Bank?
Petit Jean State Bank's primary federal regulator is the Federal Reserve.
How many branches does Petit Jean State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Petit Jean State Bank's Texas Ratio?
Its Texas Ratio is 1.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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